Tianyibao is an account balance financing service of China Telecom Wing Payment in cooperation with Minsheng Bank and Shanghai Bank. Users who own Minsheng Bank Ruyibao and Shanghai Bank Huicaibao (other wealth management products will be added later) will transfer their funds to Wing Payment account, that is, they will purchase Minsheng Bank Huitianfu Monetary Fund (code: 000330) and Shanghai Bank Shanghai Banking Financial Fund (code: 000542A) and enjoy the investment income of monetary funds. Applicable to Wing Payment account users who have passed the advanced real-name authentication of the second-generation ID card (they must be residents of People's Republic of China (PRC) * * * and Chinese mainland who have reached the age of 18). This product is not suitable for handling enterprise-level personal accounts. This business is free of monthly fee. There is no charge for any formalities at present. It can be handled through Wing Payment Portal, Wing Payment Client (Android system and Apple system) and SMS channel. Wing payment users with bank cards can send short messages KTTYB to 1 1888 to open Tianyi Bao. The products applied for in the current month will take effect immediately. For more service benefits, click on "official website" customer service 35 below to answer your questions.